didn't think it was possible. had 15,000 owed on a dodge i traded that was worth about 4 or 5 thousand. Just went there really to look around. 18 percent high, not after bk 2 years ago. and scores in the 500's. Although I have home loan, and ccards, and another vehicle loan all fantastic standing, no lates ever. bk was 96,000 in meds. already talked to my credit union he will refinance this loan this week for me at 7.5. went with ford to get the extra money back. still blew me away they even came back approved at all. Got to love ford. especially when your 10,000 in negative equity on your trade.

MODEL:E350MILEAGE:32000RETAIL/LEASE:RetailAMOUNT OF LOAN:27000TERM CONTRACTED:72 mo.APR/LEASE RATE:15.5%MONTHLY PAYMENT:$578MISCELLANEOUS COMMENTARY:I already had a 4 month old loan on 2005 Nissan Altima(EQ was 521) that was thru COAF( got thru dealership when I was 1 yr discharged from Chapter 7 BK. At the time was desperate for vehicle and just found FICO forum so reports needed lots of cleanup and no rebuilt credit at all. Cap 1 was only bank to finance me but get this at 26.5% . I originally planned to refinance when scores and report cleaned up but everyday I drove the car I was becoming more upside down with over $4000 of negative equity after only 4 months and my CU says can only refinance 100% LTV of trade in and I certainly did not have 4K to drop on a refinance and Cap 1 says they do not refinance there own loans, but I can apply for a new loan which is what I did then found a great deal on the MB from a family friend and will roll 4k negative equity into new loan but not upside down since price of car was about $4300 less that NADA retail. Plus I plan to refinance at my CU in 6 months when my scores will be in the 700's range. So excited about my new MB- this has been my dream car for about 4 years now and now it is a reality.

NFCU is awesome!! My local CU denied me, the Bank I just paid off 2006 Sebring denied me. Navy takes several days to approve/process but they came thru for me! Plus I got an awesome deal, this SUV is 15500 in Kelley Blue Book. I did NOT trade in, either- will sell eventually and apply proceeds to loan.

I applied and was preapproved online through Toyota Financial. They emailed me a preapproval certificate to take to the dealership. According to the dealership, they wouldn't need to pull my credit again, however, I see that they did pull when I went in to get the car. I'm gonna call the finance manager to find out why they pulled the credit, but other than that, it was a smooth transaction. I haggled alot but got the exact payment I wanted at a great interest rate so it was worth it!

CREDIT SCORE:Eqifax-717/Exp-736CUSTOMER STATE OF RESIDENCE: AlabamaNEW/USED:NewYEAR OF VEHICLE:2008

MAKE:Hyundai

MODELanta FeMILEAGE:117RETAIL/LEASE:RetailAMOUNT OF LOAN:24000TERM CONTRACTED:72APR/LEASE RATE:7.5MONTHLY PAYMENT:429MISCELLANEOUS COMMENTARYcenario: 94 grand prix was really starting to break down (117,000ish miles) but from my lack of care, was not going to make it..'overheat' needle hitting 260...... .Nov 7th- changed theromstate--- nov 8th-needle going no where near half way mark, took it to car shop, looked at the water dripping from the oil stick and another (can't place the name right now) cap from the engine when the mechanic pulled them...getting milky white......knowing I need to get a car...soon! equifax score at that time -723...feeling somewhat secure with getting a loan....nov 8th -approx 9pm get a score alert...eq dropped to 717- (debt too close to credit on revoling cards).... nov 9th took the plunge anyway- two dealers in mind- Hyundai and kia (with new/used certified cars) if noone wanted me was going to look for the nearest bicycle shop!....Arrived 8:30 am (work third shift), left at approx 1:30 pm with above car! The strange thing- EX had me at 736 .....have: military credit card (I'm retired), visa with credit union (who turned me down some months back- that I have been with since 94 or so-wasn't at my current job long enough), sallie mae, and new retail store - were the things that they had on me....needed four credit reference.....plus the discount with working for a car company (not on line) was pretty cool, and of course....last but not least the poor condition my car was in- $500....I expected $5- although the front tires were new, and thermostate cost 300 (parts, labor, flush, etc)...oh i picked up the extended...extended warrenty for $7 extra in my monthly payments....

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